POIS financial products - POIS

POIS products

Working hard for you

It’s a great feeling to know that your money is sorted. We pride ourselves on bringing you straightforward, simple-to-understand financial products. Money shouldn’t be rocket science.

Children’s Tax Exempt Plan

Tax free savings

A simple way to build up a nest egg for your children or grandchildren.

  • A tax-free lump sum for your child’s future
  • Pay in just £25 every month
  • Choose when you want your child to receive the money
  • Your child will have access to Membership Benefits at no additional cost

Tax rules may change and depend on individual circumstances. The value of the plan may fall as well as rise and your child may get back less than you have paid in. Member benefits are not regulated by the Financial Conduct Authority or the Prudential Regulation Authority.

£20 M&S Gift Card

when you apply online. Terms & conditions apply

Junior ISA

Simple and tax-free

A Stocks & Shares ISA, which also offers the potential of a yearly and final bonus.

  • A simple way of saving for your child’s future
  • Save regularly or pay in lump sums
  • Grandparents and friends can pay in too
  • Has the potential to earn annual and final bonuses
  • Your child will have access to Membership Benefits at no additional cost

Your child may get back less than you have paid in. Tax rules might change and depend on individual circumstances. Bonuses are not guaranteed. Member benefits are not regulated by the Financial Conduct Authority or the Prudential Regulation Authority.

£50 M&S Gift Card

when you invest £4,000+ in a Junior ISA online. Terms & conditions apply

Tax Exempt Savings Plan

An additional tax-free allowance

Save regularly and tax-free with a long-term plan that includes life cover.

  • A 10 year tax-free investment plan
  • Affordable saving of £25 per month over 10 years
  • Available to anyone aged between 16 and 74
  • Handy access to Membership Benefits at no additional cost

Tax rules may change and depend on individual circumstances. The value of the plan may fall as well as rise and you may get back less than you have paid in. Member benefits are not regulated by the Financial Conduct Authority or the Prudential Regulation Authority.

£20 M&S Gift Card

when you take out a Tax Exempt Savings Plan online. Terms & conditions apply

Savings & Investment Plan

A simple way to save regularly

Save from £26 to £260 per month over 10 years.

  • Save from £26 to £260 per month
  • A way to maximise tax-efficient savings
  • Save over a 10 year term with option to extend
  • Handy access to Membership Benefits at no additional cost

Tax rules may change and depend on individual circumstances. The value of the plan may fall as well as rise and you may get back less than you have paid in. Member benefits are not regulated by the Financial Conduct Authority or the Prudential Regulation Authority.

£20 M&S Gift Card

when you take out a Savings & Investment Plan online. Terms & conditions apply

Lifetime ISA

With more potential for growth

Save for your first home or for when you retire – tax-free savings, with a 25% government bonus each year.

  • Get a welcome 25% government bonus on your savings each year
  • Available for 18-39 year olds
  • Save regularly from £100 per month and/or pay in lump sums
  • Save up to £4,000 a year
  • Has the potential to grow with annual and final bonuses from us too
  • Only for purchasing your first home or saving for retirement
  • Handy access to Membership Benefits at no additional cost

You may get back less than you have paid in. Tax rules might change and depend on individual circumstances. Bonuses are not guaranteed. Member benefits are not regulated by the Financial Conduct Authority or the Prudential Regulation Authority.

£50 M&S Gift Card

when you invest £4,000 in a Lifetime ISA online. Terms & conditions apply

Prepaid Funeral Plan

For peace of mind

Plan your funeral today to save your family money and worry in the future.

  • Save loved ones time, money and stress
  • Choose from four funeral plans
  • Guaranteed acceptance if you’re over 50
  • Make a single payment or spread the cost over 12 months
  • Plan is provided by Dignity, a name you can trust
  • Handy access to Membership Benefits at no additional cost

£100 discount

when you take out a Prepaid Funeral Plan between 25 February 2020 and 30 April 2020 Find out more today

Over 50s Life Cover

Guaranteed acceptance

Give your family security with a guaranteed cash payout.

  • Guaranteed cash pay-out after 2 years, or from day 1 for accidental death
  • Pay fixed premiums that never increase, from just 33p a day
  • Guaranteed acceptance, no medical required
  • You can apply if you’re aged 50 – 80
  • Has the potential to grow with annual and final bonuses
  • Handy access to Membership Benefits at no additional cost

Your premiums must be paid until you reach age 85, when you will stop paying premiums but your life cover will continue. Bonuses are not guaranteed. Member benefits are not regulated by the Financial Conduct Authority or the Prudential Regulation Authority.

£35 M&S Gift Card

when you take out Over 50s Life Cover. Terms & conditions apply

Not sure which product works for you?

Looking after our own

Being part of POIS also means you can take advantage of some wonderful member benefits. From helping with healthcare to educational grants, we like to look after our family.

Find out more

We’re here for you

If you have any questions about our products or member benefits please let us know. We’re here to answer any questions you may have and our UK based team are available Monday to Friday 9 am to 5 pm.

Call free on 0800 622 417